Find my best card →
faayda.com › cards › HDFC Diners Club Black Credit Card
HDFC Bank · Diners Club · हिन्दी

HDFC Diners Club Black Credit Card: full review

The HDFC Diners Black is the best card for high-spending diners and travellers. The 5X dining rewards and unlimited lounge access make it exceptional value if you can meet the eligibility.

Apply now ↗Annual fee: ₹10,000 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
)))
CLUB BLACK
ASHOK KUMAR
12/28
₹10,000 + taxes (waived on ₹5L spend)Annual fee
5 reward points per ₹150; 10X on SmartBuy; unlimited loungeReward structure
Unlimited (domestic + international)Lounge access

Key benefits of the HDFC Diners Club Black Credit Card

Unlimited lounge access worldwide5X points on dining10X points on HDFC SmartBuyLow 2% forex markupGolf programme, 6 rounds/yearAnnual fee waived on ₹5L spend
Apply now ↗ Min. income: ₹18L+ per year · Credit score: 750+
Pros and cons
Pros
✓ Best dining rewards in premium segment
✓ Unlimited lounge access
✓ Golf benefits
✓ Lower fee than Infinia
Cons
✗ Diners Club acceptance limited in India
✗ High income requirement
✗ Points redemption complex
Quick facts
Issuer HDFC Bank
Network Diners Club
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹10,000 + taxes (waived on ₹5L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹10,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹18L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for HDFC Diners Club Black Credit Card is ₹10,000 + taxes (waived on ₹5L spend). The joining fee is ₹10,000.
The main benefits of the HDFC Diners Club Black Credit Card are: Unlimited lounge access worldwide; 5X points on dining; 10X points on HDFC SmartBuy; Low 2% forex markup; Golf programme, 6 rounds/year; Annual fee waived on ₹5L spend.
5 reward points per ₹150; 10X on SmartBuy; unlimited lounge
HDFC Diners Club Black Credit Card is best for Premium dining and travel rewards. The HDFC Diners Black is the best card for high-spending diners and travellers. The 5X dining rewards and unlimited lounge access make it exceptional value if you can meet the eligibility.
The minimum income requirement for HDFC Diners Club Black Credit Card is ₹18L+ per year. A minimum credit score of 750+ is also recommended.
Yes, HDFC Diners Club Black Credit Card offers Unlimited (domestic + international).
HDFC Diners Club Black Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Salaried Employees →Best Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
HDFC Diners Club Black vs HDFC Infinia Compare →HDFC Diners Club Black vs Standard Chartered Ultimate Compare →HDFC Diners Club Black vs YES Marquee Compare →HDFC Diners Club Black vs Axis Magnus Compare →HDFC Diners Club Black vs Axis Bank Reserve Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the HDFC Diners Club Black Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/hdfc-diners-black"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
HDFC Diners Club Black₹10,000 + taxes
Apply now ↗